From Toffees to ₹6,064 Crore: How UPI Reshaped Everyday Commerce in Goa
For generations, a familiar scene played out across Goa. A customer would buy a packet of biscuits, a cup of tea or a few vegetables, only to discover that neither they nor the shopkeeper had exact change. The solution was simple but imperfect—a toffee, a chocolate or some small item handed over in place of … Read more


